Portsmouth, VA · Charter 66942
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
93
Profitability
29
Liquidity
0
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Portsmouth, VA · Charter 66942
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.46% | 0.48% | 0.56% | 0.58% | +39 bps | |
| Return on Equity | 1.23% | 3.06% | 3.13% | 3.73% | 3.87% | +264 bps | |
| Net Interest Margin | 3.02% | 3.08% | 3.12% | 2.99% | 3.03% | +1 bps | |
| Efficiency Ratio | 92.78% | 85.28% | 85.35% | 83.49% | 83.01% | -976 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 2.28% | 3.29% | 3.16% | 3.95% | +140 bps | |
| Loan Growth (YoY) | -3.96% | -2.46% | 3.08% | 6.05% | 8.05% | +1,201 bps | |
| Share Growth (YoY) | 2.51% | 1.74% | 3.52% | 2.60% | 3.82% | +132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.78% | 0.50% | 0.67% | 0.07% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.80% | 15.01% | 15.22% | 15.04% | 14.90% | +10 bps | |
| Net Worth / Assets | 14.80% | 15.01% | 15.22% | 15.04% | 14.90% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.31% | 93.42% | 96.95% | 94.72% | 97.11% | +380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portsmouth, VA · Charter 66942 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
0.57%
Rank 7 of 15
Net Interest Margin
3.04%
Rank 15 of 15
Efficiency Ratio
83.00%
Rank 7 of 15
Equity / Assets
14.90%
Rank 5 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.25% | 0.55% | 1.21% | Beats 53% | 7 / 15 | |
| Return on Equity | 3.86% | 1.15% | 4.72% | 7.96% | Beats 33% | 10 / 15 | |
| Net Interest Margin | 3.04% | 3.58% | 4.16% | 4.82% | Beats 0% | 15 / 15 | |
| Efficiency Ratio | 83.00% | 63.64% | 83.86% | 92.62% | Beats 60% | 7 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.43% | 0.61% | 1.64% | Beats 93% | 2 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.90% | 10.27% | 13.30% | 16.02% | Beats 67% | 5 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.90% | 10.27% | 13.30% | 16.02% | Beats 67% | 5 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.11% | 41.09% | 53.09% | 77.25% | 93rd pctl | 1 / 15 | |
| Loans / Assets | 82.37% | 35.73% | 46.13% | 63.30% | 93rd pctl | 1 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||